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Types of Dental Group Insurance Plans

There are several types of dental group insurance plans available, each with its own set of benefits and limitations:

• Preferred Provider Organizations (PPOs): These plans offer flexibility by allowing employees to choose from a network of dentists. PPOs typically cover a higher percentage of costs when employees use in-network providers.
• Health Maintenance Organizations (HMOs): These plans require employees to choose a primary care dentist and get referrals for specialist care. HMOs often have lower premiums but less flexibility in choosing providers.
• Indemnity Plans: These plans offer the most freedom, allowing employees to visit any dentist. However, they often come with higher premiums and deductibles.